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Your credit score is the single most important tool institutions use to determine your creditworthiness. Without a credit score of 700 or over, you won’t get the best rates on mortgages and car loans, and you may not get that apartment or job that you dream of. Your credit score can also affect the price you pay for auto insurance. A low credit score can prevent you from getting what you want or make what you get much more expensive!

Two thoughts spring to mind about young people and money: the schools don’t teach our kids about money. And parents are a little shaky on this topic too, owing to cultural taboos around talking about money.